Did you also leave a voicemail about this issue yesterday? If so, we responded via email. Even if that wasn't you, we are aware of the issue and one of our developers is working to fix it right now. We'll hopefully have a fix ASAP.

The usual practice for gateways is using penny value to simulate a specific error in the test environment.
Unfortunately we don't have information how Virtual Merchant generates test error codes but usually .00 means a successful transaction.

So I was able to run a successful test transaction at your store with the following data:
4111-1111-1111-1111, CVV 123, 05/15
Item $21.75 + Shipping $38.25 = $60.00.